2026 Relocation & Cost Arbitrage Engine

Relocation: Lexington-Fayette, KY to Buffalo-Cheektowaga, NY

Data updated · Sources: HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Income tax, HUD Fair Market Rents and EPI living costs for a move from Lexington-Fayette, KY to Buffalo-Cheektowaga, NY.

Popular Corridors:
Equivalent Salary
$109,000
To maintain parity
Cost of Living Delta
+9.0%
Overall expenditure basket
Annual Tax Delta
+$1,273
State + local taxes
Annual 1BR Rent Delta
-$24
HUD Fair Market Rents
Net Annual Buffer
+$1,297/yr
Tax + housing gain

Interactive Purchasing Power Equivalency Workbench

Adjust your current salary at origin to dynamically compute the statutory tax burden, housing costs, and discretionary cash in both markets.

Presets:
$
$30,000 $100,000 $200,000 $300,000
Origin Location

Lexington-Fayette, KY

COL 96.9
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$3,382
Local / City Tax -$2,750
Net Annual Take-Home $73,048
HUD 1BR Fair Market Rent -$14,460
Discretionary Cash Flow $58,588
Target Market
Destination Location

Buffalo-Cheektowaga, NY

COL 105.7
Gross Parity Income $109,000
Federal Income Tax -$15,150
FICA (SS & Medicare) -$8,339
State Income Tax -$5,406
Local / City Tax $0
Net Annual Take-Home $80,105
HUD 1BR Fair Market Rent -$14,436
Discretionary Cash Flow $65,669

EPI family budgets put living costs 9.0% higher in Buffalo-Cheektowaga, NY than in Lexington-Fayette, KY, so $100,000 in Lexington goes about as far as $109,000 in Buffalo. HUD's one-bedroom Fair Market Rent is $1,205 a month in Lexington and $1,203 in Buffalo, $24 a year less. On the same $100,000 salary a single filer pays $1,273 less a year in federal, state and local income tax and FICA in Buffalo. Taxes and one-bedroom rent together leave you about $1,297 a year better off. The BLS median wage across all occupations is $48,620 in Lexington and $50,790 in Buffalo.

Itemized Cost of Living Expenditure Arbitrage

Category-by-category breakdown of monthly baseline consumption between origin and destination.

Expenditure Category Lexington-Fayette (Monthly) Buffalo-Cheektowaga (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,205$1,203-$2-0.2%
Food & Groceries$343$376+$33+9.6%
Transportation$1,030$971-$59-5.7%
Healthcare$444$504+$60+13.5%
Other Necessities$354$417+$63+17.8%
Total Taxes (Federal, State, Local, FICA)$2,246$2,140-$106-4.7%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$2/mo (-0.2%)
Lexington-Fayette: $1,205/mo Buffalo-Cheektowaga: $1,203/mo
2-Bedroom Fair Market Rent +$7/mo (0.5%)
Lexington-Fayette: $1,416/mo Buffalo-Cheektowaga: $1,423/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$1.92/hr (9.0%)
Lexington-Fayette: $21.44/hr Buffalo-Cheektowaga: $23.36/hr
2 Adults + 1 Child (per earner) +$2.57/hr (12.6%)
Lexington-Fayette: $20.42/hr Buffalo-Cheektowaga: $22.99/hr

Top Local Occupations Wage Parity

BLS median wage comparisons across benchmark roles between both metropolitan labor markets.

Occupation Title Industry Sector Lexington-Fayette Median Buffalo-Cheektowaga Median Nominal Wage Delta Action
Registered Nurse (RN)HealthcareHealthcare$79,040$99,060+$20,020 (+25.3%)View Dossier
General and Operations ManagersFinance & ManagementFinance & Management$80,440$103,280+$22,840 (+28.4%)View Dossier
Accountant & AuditorFinanceFinance$77,780$82,120+$4,340 (+5.6%)View Dossier
Software EngineerTechnologyTechnology$123,510$127,850+$4,340 (+3.5%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$84,520$101,180+$16,660 (+19.7%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$44,340$48,620+$4,280 (+9.7%)View Dossier
ElectricianSkilled TradesSkilled Trades$57,320$77,930+$20,610 (+36.0%)View Dossier
Financial ManagerFinanceFinance$135,760$164,230+$28,470 (+21.0%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$99,190$84,710-$14,480 (-14.6%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$109,890$132,720+$22,830 (+20.8%)View Dossier
Industrial Machinery MechanicIndustrial ManufacturingIndustrial Manufacturing$61,320$70,130+$8,810 (+14.4%)View Dossier
Plumber & PipefitterSkilled TradesSkilled Trades$61,870$72,230+$10,360 (+16.7%)View Dossier

Major US Inter-Metro Relocation Corridors

Empirical cost differentials and statutory tax savings across high-volume migration routes.

New York-Newark-Jersey City → Austin-Round Rock-San Marcos

On $100k: $8,301 less tax and $14,388 less 1BR rent a year

-30.6% COL+$22,689/yr
San Francisco-Oakland-Fremont → Austin-Round Rock-San Marcos

On $100k: $6,211 less tax and $17,676 less 1BR rent a year

-30.4% COL+$23,887/yr
Chicago-Naperville-Elgin → Dallas-Fort Worth-Arlington

On $100k: $4,805 less tax and $2,928 less 1BR rent a year

-2.2% COL+$7,733/yr
San Francisco-Oakland-Fremont → Columbus

On $100k: $1,729 less tax and $19,884 less 1BR rent a year

-41.0% COL+$21,613/yr
Los Angeles-Long Beach-Anaheim → Phoenix-Mesa-Chandler

On $100k: $4,113 less tax and $10,908 less 1BR rent a year

-13.5% COL+$15,021/yr
Seattle-Tacoma-Bellevue → Denver-Aurora-Centennial

On $100k: $3,761 more tax and $4,188 less 1BR rent a year

-13.6% COL+$427/yr
Boston-Cambridge-Newton → Raleigh-Cary

On $100k: $1,299 less tax and $11,592 less 1BR rent a year

-16.2% COL+$12,891/yr
New York-Newark-Jersey City → Miami-Fort Lauderdale-West Palm Beach

On $100k: $8,301 less tax and $7,296 less 1BR rent a year

-27.3% COL+$15,597/yr

Lexington-Fayette, KY to Buffalo-Cheektowaga, NY Relocation FAQs

About $109,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (96.9 in Lexington-Fayette, KY, 105.7 in Buffalo-Cheektowaga, NY, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Lexington-Fayette, KY to Buffalo-Cheektowaga, NY: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Buffalo-Cheektowaga, NY to Lexington-Fayette, KY
Relocation: Lexington-Fayette, KY to Buffalo-Cheektowaga, NY Overview

Lexington-Fayette, KY to Buffalo-Cheektowaga, NY: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same salary. Official 2026 economic data for Relocation: Lexington-Fayette, KY to Buffalo-Cheektowaga, NY compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
How much salary do I need in Buffalo-Cheektowaga, NY to match $100,000 in Lexington-Fayette, KY?

About $109,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (96.9 in Lexington-Fayette, KY, 105.7 in Buffalo-Cheektowaga, NY, from EPI family budgets); taxes are compared separately below.

Is Buffalo-Cheektowaga, NY cheaper than Lexington-Fayette, KY?

EPI's family budgets for a single adult put overall living costs 9.0% higher in Buffalo-Cheektowaga, NY than in Lexington-Fayette, KY. The budgets cover housing, food, transportation, health care and other necessities.